Health Insurance for your Business
From solo agents to growing teams, the ONE Healthcare System delivers full-featured ACA-qualified medical plans and add-ons like dental, vision, and disability — all designed to protect your health and your business
PLANS FOR BUSINESS
STANDARD MAJOR MEDICAL INSURANCE - POWERED BY TRIAD
Coverage without Compromise
Enjoy nationwide Cigna PPO access, predictable costs, and straightforward benefits—no networks to guess, no surprises to budget for. The STANDARD Plan keeps your health coverage simple, stable, and strong.
Who is Eligible?
Realty ONE Group network members with a registered:
- Limited Liability Company (LLC)
- S-Corporation, or a
- Sole Proprietor with an Employer ID Number (EIN) from the IRS
are eligible to enroll in the Standard Major Medical Plan powered by TRIAD.
- If you are a Sole Proprietor without a EIN, please click here to learn more from the IRS on how to obtain one (it's free and takes about 15 minutes).
- There are many good reasons to have an EIN as a sole Proprietor such as setting up a business bank account, issuing or receiving 1099-NEC/1099-MISC forms under a business name, etc. Please consult with your tax advisor.
- Sole Proprietors without a EIN are eligible for the 1099 Sales Professionals program.
Business with 25 or more enrolled have flexibility in:
- Faster underwriting without the need for health questionnaires.
- The number of plans being offered to their employees,
- The PPO networks can be customized, and
- The plan designs themselves can be customized.
Review the Plan Summary and Rates
How it works
Enrollment is available year-round. When you enroll your business, your insurance coverage will be effective on the first of the month of your choosing.
While these plans cover pre-existing conditions, they are underwritten. During the application process, businesses with fewer then 25 enrolled employees will have each employee complete a health questionnaire. Business with 25 or greater will only need to provide a census with detailed employee information.
- PLEASE NOTE: The rates shown in the summary may be adjusted lower after underwriting.
Plans through TRIAD provide you with tools to navigate the healthcare system including:
- Full PPO Network provided by CIGNA. Including Hospitals. Search Cigna's PPO (Instructions)
- Option to select a Physician Only PPO Network with direct contracts to facilities for premium savings of about 12%. Schedule time with Arcwood to learn more.
- The plan Pharmacy Benefits Manager, Disclosed Rx, is skilled at reducing specialty medications to $0 for the member.
- Telemedicine by EVO Medical and Talk Therapy via Telehealth Nationwide
- TRIAD Member App to keep track of you and your families health.
- Health Savings Account to help save money on income taxes and minimize healthcare spending.
Schedule A Call Today
PLEASE NOTE: Small business employers who would like to review the ADVANCED three tier plans with $0 out-of-pocket expenses for your members, please schedule a call with Arcwood.
Start Here!
Start your STANDARD Major Medical quote by completing the form below.
When you hit submit, you will receive an email with two instructions. First, as the plan administrator to add your employees names and email address; Second to complete your own personal health questionnaire (PHQ) for enrollment.
When this is completed, your employees will receive an email to complete their PHQ.
Once the applications are complete, underwriting will take about a week.
Dental Insurance
MetLife offers a National Network, check for your dentist here:
- Please select the PDP Plus Dental Network. If your dentist is not contracted with MetLife, you may nominate them, there are also out-of-network benefits for non-contracted dentists too.
- Available to Businesses of ONE person, or multiple employees.
- Two options to choose from, Base and Premium, your choice if you or your employees contribute to the plan(s).
- Single Premium's begin at $35 per month; Families from $70 to $150 per month.
- Rates are based on your zip code. Rates shown below are examples for Arizona.
Details:
- Preventive Services covered at 100%
- Basic Services covered at 80%
- Major Services covered at 50%
- Annual maximum benefits $1,500 or $2,500 per member.
- Orthodontia included for Children and Adults
REVIEW THE BASIC DENTAL BENEFIT SUMMARY HERE.
REVIEW THE PREMIUM DENTAL BENEFIT SUMMARY HERE.
1099 Independent Contractors are eligible for a dental plan by Clearwater
Vision Insurance
Metlife offers a National network of Vison Providers using the VSP Vision Network.
- Choose from a large network of ophthalmologists, optometrists and opticians, from private practices to retailers like Costco®Optical, Walmart, Sam’s Club and Visionworks.
- Single Premium $10 per month; Families from $19 to $27 per month.
Details:
- Plan offers exams, lenses or contact lenses, and Frames once every 12 months.
- Savings on glasses and sunglasses: Get up to 20% savings on additional pairs of prescription glasses and non-prescription sunglasses, including lens enhancements. At times, other promotional offers may also be available.
- Potential savings averaging 15% off the regular price or 5% off a promotional offer for laser surgery including PRK, LASIK and Custom LASIK. This offer is only available at MetLife participating locations.
REVIEW THE BENEFIT SUMMARY HERE.
1099 Independent Contractors are eligible for a vision plan by Clearwater
Life Insurance
Basic Life Insurance for you and your employees.
- $50,000 basic life for each eligible employee in your company, each employee names their own beneficiary.
- Higher amounts are also available for owners and leadership if desired.
- Rates are based on the total amount selected and the number of employees; however, a company of 10 for the basic $50,000 of coverage would cost ~$70 per month as reference.
Supplemental coverage is available for employees.
- Employees can apply for up to $400,000, Spouse and Child Life Insurance also available.
- Guaranteed Issue when individuals are first eligible of $150,000 for employees, $20,000 for spouse/domestic partner.
- Future enrollments, or amounts over the guaranteed amount will require underwriting.
Details:
- Accidental Death & Dismemberment Coverage Options
- Additional Features included: Grief Counseling, Accelerated Benefits, and conversion to continue the coverage after termination.
Disability Insurance
Disability Income protects your, and your employees, most valuable asset; earned income.
Weekly Disability Benefits.
- Benefits begin after 2 weeks, payable for 11 weeks.
- Two options available, employer paid or employee paid.
- Rates are based on the total amount selected and the number of employees.
REVIEW THE EMPLOYER PAID WEEKLY INCOME SUMMARY
REVIEW THE EMPLOYEE PAID WEEKLY INCOME SUMMARY
Long-Term Disability Benefits.
- Protects up to 60% of income to $5,000 per month in benefits. Insuring $8,333 per month of earned income.
- Begins after 3 months to co-inside with the Short-term disability benefits.
- Benefits are payable to Retirement Age.
- Rates are based on the total amount selected and the number of employees.
Details:
- Own Occupation Benefits protected for 24 months.
- Partial Benefits available
REVIEW THE EMPLOYER PAID LONG-TERM DISABILITY BENEFIT SUMMARY.
REVIEW THE EMPLOYEE PAID LONG-TERM DISABILITY BENEFIT SUMMARY.
Additional Benefits
Accident Insurance are benefits that help cover the costs such as those not covered by your medical plan.
You’ll have a choice of two plans (called the “Low Plan” and the “High Plan”) that provide payments in addition to any other insurance payments you may receive.
REVIEW SOME OF THE COVERED EVENTS/SERVICES.
Critical Illness provides benefits to use as you see fit, including expenses not covered by your medical plan.
REVIEW SOME OF THE COVERED EVENTS/SERVICES.
Hospital Indemnity provides lump sum cash payments for a covered event regardless of any other payments you may receive from your medical plan
REVIEW SOME OF THE COVERED SERVICES.
Legal Plans cover the costs on a wide range of common legal issues including estate planning, home sales, tax audits, and more.
REVIEW SOME OF THE COVERED SERVICES.
Identity & Fraud Protection helps to keep your information private.
Program Partner
Realty ONE Group partners; Arcwood Benefits Consulting, Inc. as an insurance consultant and Arcwood Financial as a 401(k) advisor and consultant, dba Arcwood®, will assist Network Members in reviewing program options and comparing them with other insurance plans and retirement plan vendors. Arcwood is also available to conduct pricing and plan design analyses for Network Members with existing plans and larger businesses.
